Most Hondas have very affordable auto insurance rates, no matter what model you own. While insurance for a new Honda Civic will cost more than for an older, cheaper model, the model and age of a Honda won’t cause huge leaps in rates. Instead, your Honda insurance cost will rise and fall depending on your age and driving record.

Read on to learn all about what will affect your Honda auto insurance quotes, from which auto insurance coverages you pick to which Honda model you own.

Different Auto Insurance Coverages for Hondas

Keeping an auto insurance policy with the bare minimum will help keep your rates low, although two coverages we highly recommend paying extra for are collision and comprehensive insurance. These insurance coverages will pay for your Honda’s repairs after accidents or mishaps and are actually required coverages if you have a lease or loan on your Honda. Take a look below at what each coverage does to see the difference between comprehensive and collision insurance.

• Collison insurance: This covers your Honda’s repairs after an accident where you hit an object or another car.
• Comprehensive car insurance: This covers your Honda’s repairs after an accident where you hit an animal or your Honda was damaged by weather, vandalism, or falling objects.

If you don’t have a lease or loan, then you can choose not to carry collision and comprehensive coverage, but your Honda’s repairs won’t be covered in a variety of situations. The other important coverages we want to talk about for Hondas are those required by the majority of states. If you don’t follow the auto insurance requirements of your state, then you aren’t driving legally and will face fines, suspended licenses, and more.

Most states in the U.S. will require some combination of liability insurance, medical payments insurance or personal injury protection insurance, and either uninsured or underinsured motorist insurance. A quick description of what each type of car insurance coverage does is below.

• Liability auto insurance: This covers others’ repairs if you hit someone else and damage their property or injure them.
• Medical payments insurance: This covers some of the medical bills of anyone injured in your car during an accident.
• Personal injury protection insurance: This covers some of the medical bills, lost wages, and more of anyone injured in your car during an accident.
• Uninsured/underinsured motorist insurance: This covers your accident bills if you are hit by a driver who is driving without auto insurance or doesn’t have enough to cover your bills.

Each state is different in what it requires drivers to carry, so you may not have to carry all of the above coverages. You can check your state’s requirements to see what you do and don’t need to carry.

Average Auto Insurance Rates for Hondas

There isn’t a huge variance in auto insurance rates among Honda models, as you can see from the average rates displayed below.

The difference between the most and least expensive Honda models to insure is less than $50, so it’s not a huge price discrepancy. While a Honda Civic is the most expensive on average to insure, you won’t be paying hundreds of dollars more for insurance than the cheapest model to insure, the Honda Fit.

Your Honda insurance rates will also depend on your demographics, as the Honda Civic insurance cost for a 16-year-old driver will be different than for a 35-year-old driver. Take a look at the rates below to see how the cost of auto insurance for a Honda can change based on a driver’s driving record and age.

If you are a younger driver, your rates will decrease significantly as you age if you are a safe driver and don’t get into any accidents.

Saving on Honda Auto Insurance

If you are asking yourself why is the price of Honda Civic insurance so high, it may not have anything to do with the model of the car you own but rather other factors. If you have a clean driving record, you may be with the wrong auto insurance company.

We recommend getting plenty of auto insurance quotes to make sure you are getting the best price on insurance for your Honda. A company that was the cheapest for you a year ago may no longer be the cheapest company.

You can also apply for auto insurance discounts to lower your rates, such as a bundling discount or a defensive driver discount. Make sure to check your insurance company’s list of available discounts to ensure that you are getting as much off your policy’s rate as possible.

Finally, if you have a low auto insurance deductible, raising it will decrease your auto insurance rates. Just ensure that the amount you raise your deductible to is still an amount you would be able to afford comfortably. The last thing you want is not to be able to get your Honda repaired because you raised your auto insurance deductible too high.

The Final Word on Affordable Honda Insurance

Most Hondas will have affordable rates, no matter which model you own. Auto insurance rates will change mostly based on your driving record and age, as well as your choice of an auto insurance company.

If you want to find the best auto insurance company for your Honda, start by shopping around for quotes. Try out our free quote comparison tool to see which company in your area has the most affordable Honda auto insurance quotes. Learn how to get auto insurance.